# ZBee: Safe Spend — Retirement spending estimator > Retirement spending estimator for safe annual withdrawals after tax. (iPhone/iPad app by ZBee LLC.) - Source: https://appshunter.io/ios/app/zbee-safe-spend/id6789377863 (this page in markdown: same URL + `.md`) - Developer: [ZBee LLC](https://appshunter.io/developer/6789377865) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 1 MB - Languages: American English - Released: 2026-07-20 - Data updated: 2026-08-11 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zbee-safe-spend/id6789377863/reviews.md ## What is ZBee? ZBee — estimate your safe yearly spend in retirement, after tax, right on your iPhone or iPad. How much can you safely spend each year in retirement? ZBee gives you a quick, private estimate — on your device, in seconds. Enter your savings, your age, and when you plan to retire, and ZBee estimates the most you can safely spend each year, stress-tested across thousands of simulated market histories. No account, no sign-up, nothing to configure. After tax, not before: Most calculators hand you a withdrawal figure and leave the tax bill to you. ZBee works out federal income tax on every year of every simulation — so the number you see is money to actually live on. • It knows the difference between a 401(k), a Roth, and a brokerage account, and taxes each one as you draw it down. • It works out how much of your Social Security is taxable, using the provisional-income rule. • It counts the 10% penalty on retirement money drawn before 59 — so an early retirement gets an honest answer. See the whole picture, not just a number: • A live estimate that updates as you adjust any input, and a risk setting for how cautious you want to be. • Could you afford a specific number? Enter what you want to spend and see how often it lasted. • Your savings, projected. Watch your money grow until you retire and draw down after — charted through a poor market, not a flattering average one. • What waiting buys you. Compare your estimate side by side at earlier and later retirement ages. • When to claim Social Security. See what claiming at 62, 67, or 70 does to your safe spend, each age solved against your own plan. • How your spending would flex. Real plans don't spend a fixed number forever — see how much you'd trim after bad markets, and how much more you could spend after good ones. • Still saving? Add what you put away each year and watch it compound into the answer. • Your estimate over time. ZBee remembers each day's estimate on your device, so you can see which way your number is moving. Private by design: • Everything runs entirely on your device. Nothing you enter is sent to us or anyone else. • No account. No tracking. No analytics. The app makes no network requests at all. • No permissions needed. The only prompt you will ever see is if you choose to turn on an optional check-in reminder. ZBee is a measurement and planning tool, not financial advice. Estimates are hypothetical, will not match actual results, and are for U.S. investors. The app estimates federal tax only — it does not model state income tax, Medicare surcharges, or required minimum distributions, and explains what it leaves out in the app. ## Key features - Estimate safe annual retirement spend - Accounts for taxes on withdrawals - Models different account types (401k, Roth, brokerage) - Simulates market histories for stress-testing - Visualizes savings projections and spending flexibility - Compares retirement age impacts ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/zbee-safe-spend/id6789377863/reviews.md ### 5/5 — Great Visuals and What-If Scenarios *2026-07-25* What a useful app! Actually fun to use. Plugged in a few numbers and I can see what my retirement might look like under various scenarios. Love the graphs. Will be downloading the Mac app. ## Frequently asked questions about ZBee ### How does ZBee estimate safe retirement spending? ZBee estimates your safe annual spending by simulating thousands of market histories. It calculates your withdrawal amount after accounting for federal income tax on various account types and potential early withdrawal penalties. ### Does ZBee provide financial advice? No, ZBee is a measurement and planning tool, not a financial advisor. The estimates are hypothetical and intended for U.S. investors, not matching actual results. ### What taxes does ZBee consider? ZBee estimates federal income tax on withdrawals from different account types and considers how much of your Social Security may be taxable. It does not model state income tax or other specific taxes. ### Is ZBee private and secure? Yes, ZBee is designed for privacy. All calculations run on your device, and no personal data is sent to the developer or any third parties. It requires no account or network requests. ### What devices does ZBee support? ZBee is available for iPhone and iPad, running on iOS devices. ### How often is ZBee updated? The latest version, 1.1, was released on July 28, 2026, indicating recent development activity. The app was initially released on July 20, 2026. ### What is the age rating for ZBee? ZBee has an age rating of 4+, making it suitable for a wide range of users. ### Does ZBee have ads? No, ZBee does not contain advertisements. It is a completely ad-free application. ## Version history (last 3 releases) ### 1.2 — 2026-08-06 • "ZBee for Mac" now opens a page inside the app that describes what our Mac app does, instead of sending you straight to a website. • You can also reach it from the bottom of "Why this is an estimate". ### 1.1 — 2026-07-28 Social Security, done properly: • New: "If you claimed Social Security at…" — see what claiming at 62, 67, or 70 does to your safe spend, each age solved against your own plan. • Your benefit entry now means your benefit at full retirement age, and the estimate applies the official claim-age adjustments (70% at 62, up to 124% at 70). Benefits also now start no earlier than your claim age, so some estimates shift a little — that's the model getting more accurate. • Clearer explanations: "Why this is an estimate" now puts sizes on what's left out, and the spending-flex explainer is simpler. ### 1.0 — 2026-07-20 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-11.*